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AIG Direct Insurance Services, Inc Review

Find a customized quote easily

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Michael Graw
Michael Graw
Apr. 03, 20224 min read

AIG Direct summary

AIG Direct is a leading life insurance agency that offers a wide variety of life insurance policies from top-rated carriers. AIG Direct sells life insurance policies online as well through appointed agents. You can get a quote online in minutes, but a health exam is required for most policies. AIG Direct is a subsidiary of American General Life Insurance Company, Houston, TX. Both are members of American International Group, Inc. (AIG)


  • Very wide range of policy options
  • Get a quote and apply online


  • Most policies require a medical exam
  • Limited customer service hours

AIG Direct AIG Direct Visit site

Who Can Benefit From AIG Direct?

AIG Direct offers a wide range of life insurance policies that go far beyond traditional term and whole life options. So this Agency isa great option for individuals who want permanent or universal life insurance. You can easily check quotes for different policy combinations online, and then speak with an agent to ask about discounts for stacking coverage. 

Term life insurance policies sold by AIG Direct are also unique in that they offer $10 million or more in coverage. You can customize not only the amount of your coverage but also your term length and how you pay for your policy.


AIG Direct offers a wide range of life insurance policies from top-rated life insurance companies. You can choose from traditional term and whole life insurance policies, as well as Universal life insurance and Permanent life insurance policies.

AIG Direct enables you to customize the coverage, term, and even payment schedule of your policy, and you can manage your policy online if you need to make changes. Coverage is available up to $10 million for term policies and you can select a term up to 30 years. If you need help choosing a policy or want to combine multiple policies, you can speak with an AIG-licensed insurance agent in your area.

  • Offers term, whole life, universal, and permanent life insurance
  • Coverage up to $10 million
  • Term policies up to 30 years
  • Apply online or with an agent
  • Phone and live chat customer support

Application Process

You can apply for an AIG Direct life insurance policy online through or over the phone with an AIG Direct agent. The online application asks for your contact information and requires you to answer some basic questions about your health history. Based on your answers, AIG Direct will display a customized quote. You can easily modify your desired coverage and policy length to see how that will change the cost of your policy. 

If you want to purchase a policy, you can complete the application form and pay online. As part of the application for most policy types, you will need to schedule a medical exam. 

AIG Direct AIG Direct Visit Site

Policy Types and Terms

AIG Direct offers a variety of different policies, including term, whole life, permanent, and universal life insurance. Term policies are available for 10-30 years and carry coverage from $100,000 to $10 million. Whole life policies are available with coverage up to $2 million. You can get up to $25,000 in coverage with a guaranteed issue whole life policy, which does not require a medical exam.

  • Most policies require a medical exam
  • Term policies from 10-30 years
  • Requires health history questionnaire

How Safe Is It?

AIG Direct’s online application uses SSL encryption to protect your information, and all online payments are processed in a PCI-compliant manner.

Help & Support

AIG Direct offers customer support by phone and live chat from 7AM-5PM (PT) Monday-Friday.

Phone: 800-294-4544

Bottom Line

AIG Direct is a well-established life insurance agency that offers a wide range of policies. You can select term policies of up to 30 years and with up to $10 million in coverage, as well as whole life, permanent, and universal policies. Most policies require a medical exam, but AIG Direct does have guaranteed issue whole life insurance policies available for ages 50-80 that do not. You can apply for a life insurance policy online through or over the phone with an insurance agent.

Physical Address

AIG Direct, 9640 Granite Ridge Drive, Suite 200, San Diego, CA 92123

Michael Graw
Written byMichael Graw

Michael Graw is a Bellingham, Washington-based writer focusing on finance, tech, and science. His work has been featured in print magazines and high-impact websites. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎

AIG Direct
AIG Direct

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